If you lose one of your belongings, you'll need to evaluate the situation to determine whether it qualifies as theft or what’s called “mysterious disappearance” (i.e., you simply misplaced your belonging and have no idea where it went).

Use tools like Find My iPhone or Google's Find My Device to try and recover your phone; similar services exist to track down a missing laptop or tablet. Take screenshots or record evidence of your attempts to recover your phone to provide the most complete set of evidence you can with your claims.

To receive reimbursement for a stolen phone or other item, you must be able to share your location timeline and/or the location timeline of the device.

If you have an Android device:

Make sure Find My Device is working and enabled. Go to your web browser, search for "Find My Device" and click the first result. Make sure you can see the device on a map displaying "last known location" along with the device name, make, and model.

If you have an iPhone:

The "Find My" app on iOS does not provide a history of your device's location, which can help provide proof of theft for your claim. Download the Google Maps app and be sure it is set to allow location access at all times. You can verify that your Google Maps timeline is available by checking here: https://www.google.com/maps/timeline

You will only need to show AKKO your location history if your phone or another item is stolen. Your location data will not be used for any purpose other than to verify your claim.


The protection you get with an AKKO Plan will cover theft of any item, but it will only cover “mysterious disappearance” of phones for customers who have signed up for an annual payment plan. The deductible for a lost phone for those on annual plans ranges from $99 to $399, depending on the make and model.

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